2. bank of Nanjing N Card credit card: a digital credit card independently launched by bank of Nanjing. because it has just been online for a short time, it is still relatively large in the promotion stage, and many users have successfully downloaded the card.
3. Ping An White Card: Ping An Bank and JD.COM Platform jointly launched it, which belongs to an independent quota and an independent account. At present, it is opened by invitation system, and it can not only spend money by swiping the card like an ordinary credit card, but also enjoy the preferential treatment of JD.COM Platform.
4. Bank of Hebei Jingdong Financial Co-branded Card: It was jointly launched by Bank of Hebei and JD.COM Platform, and it does not support remote application, but users pay high attention to it. The rights and interests include the discount of the mall and the discount of the first order.
5. Huawei Card: a credit card product jointly launched by Huawei and China CITIC Bank, which is characterized by cash back for every full amount of consumption, and the cash back amount is still relatively high.
6. ICBC Peony Card: ICBC Peony Card has the functions of deposit, withdrawal and settlement. Cardholders use peony cards to make local deposits, and there is no need to pay handling fees. The handling fee for remote deposit of Peony Credit Card is 1% of the deposit amount, with the minimum charge of 1 yuan and the maximum charge of 1 yuan.
7. Dragon Card of China Construction Bank: Dragon Card of China Construction Bank is an international standard credit card, with one card and two currencies, which can be used both at home and abroad, and enjoys all the benefits of China Construction Bank. Longka credit card is a dual-currency card, and most ordinary cards are single-currency cards. Longka credit card can be used abroad.
8. Everbright Sunshine Card: Everbright Sunshine Card can be overdrawn, and customers can take it whenever they need it, with strong liquidity. You can set the current deposit account as a payment account, and the bank will automatically pay all kinds of daily expenses.
There are many ways to repay by credit card, which are commonly used as follows:
1. Automatic repayment by binding debit card.
if you are under little financial pressure or have a fixed salary card, you can directly bind your credit card to a debit card for automatic repayment. When it comes to repayment, the bank will automatically deduct the amount, without remembering the repayment time at any time or manual operation, and directly remit the repayment, which can also avoid overdue.
2. online banking transfer.
if you often have self-help arrangements for the time and amount of repayment, you can use online banking to transfer the repayment online. It is best to open the debit card and online banking of the issuing bank at the same time as using the credit card, which is more convenient and does not require handling fees.
3. Third party repayment channels.
if you don't have a debit card and a credit card from the same bank, you may need to pay a transfer fee to the debit card issuer for online transfer repayment. However, if you use third-party online repayment channels such as Tenpay and Alipay, you often don't have to pay a fee for cross-bank transfer repayment, which is very convenient and affordable.
Consequences of overdue credit card:
1. Late payment fee for overdue credit card is required. When the cardholder fails to repay before the due repayment date (inclusive) or the repayment amount is less than the minimum repayment amount, the fee shall be paid to the issuing bank according to regulations.
2. After a user overdraws with a credit card, there is generally an interest-free repayment period ranging from more than 2 days to more than 5 days. If the cardholder's repayment is overdue, then all the expenses of the cardholder last month will no longer enjoy the interest-free treatment of the bank, and the revolving daily interest rate is as high as five ten thousandths, that is, the annual interest rate will reach 18%.
3. Credit card overdue repayment records will enter the central bank's credit information system to generate bad credit records.
4. if the credit card is not repaid for more than 3 months, the bank will ask a lawyer to send a lawyer's letter to the user and bring a lawsuit to the court, and the legal expenses will be borne by the cardholder.
5. Criminal liability for malicious overdraft. According to Article 196 of China's Criminal Law and relevant judicial interpretations, malicious overdraft refers to the behavior that the cardholder overdraws beyond the prescribed limit or time limit for the purpose of illegal possession, and still refuses to return it after being urged by the issuing bank. Those who commit credit card fraud with malicious overdraft will be investigated for criminal responsibility for credit card fraud, sentenced to fixed-term imprisonment of not more than five years or criminal detention, and fined not less than 2, yuan but not more than 2, yuan.